CITY Furniture | Finance Options

Financing Options

Discover easy ways to shop now and pay later.

Become a CITY VIP Cardholder

Looking for exclusive VIP benefits?

Become a CITY VIP Cardholder

Enjoy 60 months special financing on CITY Furniture Credit Card purchase. No down payment or minimum purchases required. Create your dream home now.

Looking for 0 interest?


Make as few as 3 interest-free payments with Affirm. When inspiration strikes, say yes with confidence— there are no late fees, service fees, prepayment fees, or hidden fees of any kind. 

Not sure if you’re ready to own?


Lease to own with Acima. The application is fast and easy to complete in store or with one of our financing specialist at (954) 718-3350 Monday through Sunday 7AM-12AM, and won't harm your credit.


Talk to a financing specialist at (954) 718-3350 or

Compare Options

CITY Furniture VIP Card
Shop now, Pay Over Time. Unlock special benefits, exclusive VIP access to offers and savings, flexible financing, and so much more.
  • No down payment required
  • Easy payment options
Buy now, pay later. No down payment or minimum purchase required.
  • As few as 3 interest-free payments
  • 2 week or monthly payment option
  • 3,4,6,12 month installment options
  • Instant decision
Acima Leasing
Offering a flexible, lease-to-own solution to help you take home the products you need.
  • Instant shopping power
  • An alternative to credit*
  • The No Payment Option*

Frequently Asked Questions

Do you accept wire transfers as a form of payment?

​We do not accept wire transfers. We currently accept credit card payments (Visa, Mastercard, American Express, or Discover), and personal or business checks. We also have quite a few purchase options. For more details, click here.

What if the price changes after my purchase?

We will honor all sale prices for up to 14 days after purchase. We will honor all mattress sale prices for up to 30 days after delivery. If you should discover any authorized dealer in Florida, including CITY Furniture, offering the same merchandise and service at a lower price, bring in proof, and we will refund the difference to you.

Can I use a CITY Furniture gift card on my purchase?

​CITY Furniture gift cards can be used on any in-store purchase. At this time, gift cards cannot be used towards online purchases.​

What if I lose my gift card?

We ask that you treat your gift card as you would treat cash. We are unable to replace a lost or stolen gift card.

Can I pay my financing bill at a store?

We are not able to process those payments at our stores. You can contact the finance company directly by calling the number on your finance bill, and they will be able to assist with your payment.

Do you offer purchase/layaway options?

We offer many purchase options online, and we also offer a layaway* option in our stores. For more information on our purchase options, please click here. With our layaway program, you can choose your furniture and lock in today’s low prices for as little as a 10% deposit. Then you can simply make monthly payments on the balance until you are ready to have your item(s) delivered.

*Layaways do not reserve product. In the event the manufacturer discontinues the pieces, reselection and/or full refunds are allowed without penalty.

Do you accept COD (cash on delivery)?

We do not accept COD. All furniture must be paid for prior to delivery.

I received a CITY Furniture gift certificate from prior purchase, can I use it on my purchase?

All of our gift certificates can be used in any of our showrooms. All of our gift certificates have an expiration date listed at the bottom of the certificate. Visit a showroom prior to this date, and they will be able to assist in applying your gift certificate to your purchase.

What is your policy regarding international credit cards?

We currently are only able to accept US credit cards.

Can I apply for credit on CITY Furniture's website?

Yes, please click here for more information.